Poverty has never been the most terrifying thing today; it's that generations have to start from zero.

Looking around, you can understand: some kids grow up hearing investment stories, understanding risks and opportunities; others are repeatedly brainwashed to "play it safe, don't rock the boat." This is not an education problem; it's an information gap. While others save for a down payment through three generations of accumulation, your down payment isn't even enough for the house price, which has risen again—this is the cruel reality of resource relay. And the most heartbreaking part: second-generation rich kids can fail and try again, but ordinary people might go into debt for five years after one startup failure, and never dare to try again.

But this cycle can be broken. The key lies in three areas:

First, accumulate assets that can be inherited. Not just money, but financial logic, decision-making methods, family communication styles, teachable skills—these are the true assets that can be passed on to the next generation.

Second, actively change the information environment. Don't get trapped in an echo chamber; learn something new and share it with your kids. Even ten extra minutes of conversation each day can change their cognitive starting point.

Third, make decisions from a three-generation perspective. Your current choices directly affect your children's starting line. Like a relay race, each baton should be run a little farther than the previous one, so the next generation can start from a better position.

You can start with nothing, but you shouldn't let your children start with nothing too. With a long-term vision, you can gradually rewrite the destiny of your entire family.